Share Price and Basic Stock Data
Last Updated: December 9, 2025, 1:57 am
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
ESAF Small Finance Bank Ltd has shown a commendable trajectory in its revenue performance over the past few quarters. The bank reported a revenue of ₹690 Cr in June 2022, which steadily rose to ₹943 Cr by September 2023, illustrating a robust growth pattern. By March 2024, revenue reached ₹1,002 Cr, marking a significant increase year-on-year. This upward trend seems indicative of the bank’s effective strategies in expanding its customer base and enhancing its service offerings. However, it is essential to note that the revenue growth was not linear; fluctuations were evident, particularly in the latter half of the fiscal year 2025, where revenues dipped to ₹828 Cr by June 2025. Such volatility may raise questions about sustainability, especially in a competitive banking landscape where consistency is crucial.
Profitability and Efficiency Metrics
Profitability remains a challenge for ESAF Small Finance Bank, as evidenced by its reported net profit of -₹665 Cr for the financial year ending March 2025. This decline is stark compared to the net profit of ₹302 Cr in March 2023 and ₹426 Cr in March 2024. The bank’s Return on Equity (ROE) stood at a concerning -23% for FY 2025, a significant drop from 19% in the previous year, highlighting the struggles in generating shareholder value. Additionally, the financing margin has also exhibited troubling trends, moving from a positive 6% in March 2023 to a negative 28% in March 2025. This decline suggests increasing costs and possibly deteriorating loan quality, which could hinder future profitability. With an operating profit margin of -20.70% in FY 2025, the bank appears to be grappling with high operational expenses relative to its income.
Balance Sheet Strength and Financial Ratios
The balance sheet of ESAF Small Finance Bank reflects a mixed picture. As of March 2025, total assets stood at ₹27,178 Cr, an increase from ₹26,087 Cr in March 2024. This growth in assets is supported by a deposit base that has grown to ₹23,276 Cr, showcasing the bank’s ability to attract customer deposits. However, the bank’s reliance on borrowings, which stood at ₹1,406 Cr, may raise concerns about liquidity and financial flexibility. The bank’s price-to-book value ratio of 0.64x indicates that the stock is trading below its book value, potentially appealing for value investors. However, the significant increase in net non-performing assets (NPAs), which rose to 7.48% by June 2025, raises red flags regarding asset quality and risk management. This deterioration in asset quality could exert pressure on the bank’s future earnings and capital adequacy.
Shareholding Pattern and Investor Confidence
ESAF Small Finance Bank’s shareholding pattern shows a stable commitment from its promoters, who hold 63.30% of the shares. This level of promoter holding usually instills confidence among investors, suggesting alignment of interests between management and shareholders. Institutional investors, however, have a minimal presence, with Foreign Institutional Investors (FIIs) at just 0.16% and Domestic Institutional Investors (DIIs) holding 5%. The public shareholding has grown to 31.53%, indicating increasing retail investor interest. However, the low institutional ownership could signal caution; institutional investors typically conduct rigorous evaluations before investing. The rising number of shareholders, which reached 1,13,955, is a positive development, reflecting growing interest and potential confidence in the bank’s future, despite its current financial struggles.
Outlook, Risks, and Final Insight
Looking ahead, ESAF Small Finance Bank faces a challenging landscape. The bank’s recent performance raises several concerns about its ability to navigate the competitive banking sector effectively. Risks include the high level of non-performing assets, which could lead to further financial stress if not addressed promptly. Additionally, the volatility in revenue and profitability metrics suggests that the bank may need to reassess its operational strategies and cost management. On the flip side, the substantial growth in deposits and the stability of promoter holdings provide a foundation for potential recovery. Investors might consider the bank’s long-term growth prospects against the backdrop of its current challenges. A focus on improving asset quality and operational efficiency will be crucial for restoring investor confidence and achieving sustainable profitability in the coming years.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of ESAF Small Finance Bank Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,305 Cr. | 277 | 367/180 | 28.7 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,276 Cr. | 24.7 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,221 Cr. | 270 | 331/250 | 9.03 | 307 | 1.48 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 68,714 Cr. | 21.9 | 24.3/16.0 | 24.2 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,072 Cr. | 51.9 | 56.3/30.8 | 24.2 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 163,841.91 Cr | 414.88 | 18.06 | 241.49 | 0.60% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 690 | 688 | 701 | 774 | 899 | 943 | 974 | 1,002 | 1,022 | 996 | 950 | 892 | 828 |
| Interest | 242 | 251 | 250 | 275 | 313 | 347 | 377 | 411 | 434 | 456 | 463 | 458 | 450 |
| Expenses | 355 | 425 | 481 | 457 | 505 | 487 | 567 | 682 | 619 | 834 | 881 | 820 | 682 |
| Financing Profit | 94 | 12 | -30 | 42 | 81 | 109 | 30 | -91 | -30 | -293 | -394 | -386 | -304 |
| Financing Margin % | 14% | 2% | -4% | 5% | 9% | 12% | 3% | -9% | -3% | -29% | -42% | -43% | -37% |
| Other Income | 48 | 65 | 81 | 94 | 93 | 79 | 120 | 150 | 115 | 39 | 112 | 145 | 195 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 142 | 77 | 51 | 136 | 174 | 188 | 150 | 59 | 85 | -255 | -282 | -241 | -109 |
| Tax % | 25% | 25% | 27% | 26% | 25% | 26% | 25% | 26% | 26% | -25% | -25% | -24% | -26% |
| Net Profit | 106 | 58 | 37 | 101 | 130 | 140 | 112 | 43 | 63 | -190 | -211 | -183 | -81 |
| EPS in Rs | 2.36 | 1.28 | 0.83 | 2.26 | 2.89 | 3.12 | 2.18 | 0.84 | 1.22 | -3.69 | -4.09 | -3.55 | -1.58 |
| Gross NPA % | 6.16% | 8.11% | 7.24% | 2.49% | 1.65% | 2.64% | 4.16% | 4.76% | 6.61% | 6.98% | 6.96% | 6.87% | 7.48% |
| Net NPA % | 3.78% | 4.34% | 3.73% | 1.13% | 0.81% | 1.19% | 2.19% | 2.26% | 3.22% | 2.98% | 2.97% | 2.99% | 3.77% |
Last Updated: August 19, 2025, 3:47 pm
Below is a detailed analysis of the quarterly data for ESAF Small Finance Bank Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 450.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 458.00 Cr. (Mar 2025) to 450.00 Cr., marking a decrease of 8.00 Cr..
- For Expenses, as of Jun 2025, the value is 682.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 820.00 Cr. (Mar 2025) to 682.00 Cr., marking a decrease of 138.00 Cr..
- For Other Income, as of Jun 2025, the value is 195.00 Cr.. The value appears strong and on an upward trend. It has increased from 145.00 Cr. (Mar 2025) to 195.00 Cr., marking an increase of 50.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is -109.00 Cr.. The value appears strong and on an upward trend. It has increased from -241.00 Cr. (Mar 2025) to -109.00 Cr., marking an increase of 132.00 Cr..
- For Tax %, as of Jun 2025, the value is -26.00%. The value appears to be improving (decreasing) as expected. It has decreased from -24.00% (Mar 2025) to -26.00%, marking a decrease of 2.00%.
- For Net Profit, as of Jun 2025, the value is -81.00 Cr.. The value appears strong and on an upward trend. It has increased from -183.00 Cr. (Mar 2025) to -81.00 Cr., marking an increase of 102.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is -1.58. The value appears strong and on an upward trend. It has increased from -3.55 (Mar 2025) to -1.58, marking an increase of 1.97.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 3:24 am
| Metric | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 29 | 597 | 1,032 | 1,413 | 1,641 | 1,940 | 2,854 | 3,819 | 3,862 | 3,667 |
| Interest | 16 | 315 | 458 | 621 | 720 | 793 | 1,017 | 1,449 | 1,811 | 1,827 |
| Expenses | 31 | 357 | 538 | 646 | 879 | 1,248 | 1,676 | 2,190 | 3,152 | 3,217 |
| Financing Profit | -18 | -75 | 35 | 146 | 43 | -101 | 160 | 180 | -1,101 | -1,377 |
| Financing Margin % | -61% | -13% | 3% | 10% | 3% | -5% | 6% | 5% | -28% | -38% |
| Other Income | 19 | 102 | 109 | 133 | 127 | 208 | 288 | 442 | 467 | 490 |
| Depreciation | 0 | 0 | 17 | 23 | 29 | 33 | 42 | 51 | 59 | 0 |
| Profit before tax | 1 | 27 | 127 | 256 | 141 | 74 | 406 | 570 | -693 | -887 |
| Tax % | 0% | 0% | 29% | 26% | 25% | 26% | 26% | 25% | -25% | |
| Net Profit | 1 | 27 | 90 | 190 | 105 | 55 | 302 | 426 | -521 | -665 |
| EPS in Rs | 0.03 | 0.87 | 2.11 | 4.45 | 2.34 | 1.22 | 6.73 | 8.27 | -10.12 | -12.91 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 8% | 0% |
YoY Net Profit Growth
| Year | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 2600.00% | 233.33% | 111.11% | -44.74% | -47.62% | 449.09% | 41.06% | -222.30% |
| Change in YoY Net Profit Growth (%) | 0.00% | -2366.67% | -122.22% | -155.85% | -2.88% | 496.71% | -408.03% | -263.36% |
ESAF Small Finance Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 8 years from 2017-2018 to 2024-2025.
Growth
Last Updated: September 5, 2025, 3:26 pm
Balance Sheet
Last Updated: September 10, 2025, 3:36 pm
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 302 | 312 | 428 | 428 | 449 | 449 | 449 | 515 | 515 |
| Reserves | 4 | 31 | 466 | 656 | 903 | 962 | 1,266 | 1,977 | 1,434 |
| Deposits | 409 | 2,523 | 4,317 | 7,028 | 8,999 | 12,815 | 14,666 | 19,868 | 23,276 |
| Borrowing | 2,053 | 1,675 | 1,702 | 1,203 | 1,694 | 2,953 | 3,354 | 3,223 | 1,406 |
| Other Liabilities | 227 | 183 | 145 | 154 | 293 | 528 | 489 | 505 | 547 |
| Total Liabilities | 2,994 | 4,724 | 7,058 | 9,470 | 12,339 | 17,708 | 20,224 | 26,087 | 27,178 |
| Fixed Assets | 33 | 69 | 86 | 116 | 133 | 159 | 188 | 205 | 237 |
| CWIP | 0 | 0 | 4 | 4 | 6 | 0 | 0 | 3 | 63 |
| Investments | 579 | 732 | 1,531 | 1,734 | 1,932 | 4,070 | 4,889 | 5,541 | 5,995 |
| Other Assets | 2,382 | 3,924 | 5,438 | 7,616 | 10,268 | 13,478 | 15,147 | 20,338 | 20,883 |
| Total Assets | 2,994 | 4,724 | 7,058 | 9,470 | 12,339 | 17,708 | 20,224 | 26,087 | 27,178 |
Below is a detailed analysis of the balance sheet data for ESAF Small Finance Bank Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 515.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 515.00 Cr..
- For Reserves, as of Mar 2025, the value is 1,434.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,977.00 Cr. (Mar 2024) to 1,434.00 Cr., marking a decrease of 543.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 547.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 505.00 Cr. (Mar 2024) to 547.00 Cr., marking an increase of 42.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 27,178.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 26,087.00 Cr. (Mar 2024) to 27,178.00 Cr., marking an increase of 1,091.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 237.00 Cr.. The value appears strong and on an upward trend. It has increased from 205.00 Cr. (Mar 2024) to 237.00 Cr., marking an increase of 32.00 Cr..
- For CWIP, as of Mar 2025, the value is 63.00 Cr.. The value appears strong and on an upward trend. It has increased from 3.00 Cr. (Mar 2024) to 63.00 Cr., marking an increase of 60.00 Cr..
- For Investments, as of Mar 2025, the value is 5,995.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,541.00 Cr. (Mar 2024) to 5,995.00 Cr., marking an increase of 454.00 Cr..
- For Other Assets, as of Mar 2025, the value is 20,883.00 Cr.. The value appears strong and on an upward trend. It has increased from 20,338.00 Cr. (Mar 2024) to 20,883.00 Cr., marking an increase of 545.00 Cr..
- For Total Assets, as of Mar 2025, the value is 27,178.00 Cr.. The value appears strong and on an upward trend. It has increased from 26,087.00 Cr. (Mar 2024) to 27,178.00 Cr., marking an increase of 1,091.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -378.00 | 355.00 | 534.00 | 639.00 | 871.00 | -11.00 | -13.00 | -17.00 | -20.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | 8% | 15% | 19% | 9% | 4% | 19% | 20% | -23% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Motilal Oswal Nifty Microcap 250 Index Fund | 142,909 | 0.05 | 0.74 | 142,909 | 2025-04-22 15:56:50 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | -10.13 | 8.96 | 6.73 | 1.22 | 2.46 |
| Diluted EPS (Rs.) | -10.12 | 8.94 | 6.71 | 1.22 | 2.46 |
| Cash EPS (Rs.) | -8.97 | 9.26 | 7.66 | 1.95 | 2.98 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 37.81 | 48.41 | 38.16 | 31.41 | 30.08 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 37.81 | 48.41 | 38.16 | 31.41 | 30.08 |
| Dividend / Share (Rs.) | 0.70 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Revenue / Share (Rs.) | 74.93 | 74.17 | 63.49 | 43.16 | 36.51 |
| Net Profit / Share (Rs.) | -10.12 | 8.27 | 6.73 | 1.22 | 2.34 |
| Interest Income / Employee (Rs.) | 3084840.26 | 6399240.49 | 5668770.36 | 4684678.82 | 4315469.37 |
| Net Profit / Employee (Rs.) | -416445.29 | 713202.11 | 600582.04 | 132170.49 | 277139.10 |
| Business / Employee (Rs.) | 32990664.54 | 63953268.31 | 56793714.74 | 59048725.67 | 45140709.97 |
| Interest Income / Branch (Rs.) | 49075222.36 | 50709519.26 | 40766557.14 | 33737834.78 | 29839509.09 |
| Net Profit / Branches (Rs.) | -6625025.41 | 5651629.48 | 4319042.86 | 951857.39 | 1916290.91 |
| Business / Branches (Rs.) | 524832426.94 | 506785062.42 | 408427942.86 | 425253518.26 | 312127490.91 |
| Net Profit Margin (%) | -13.49 | 11.14 | 10.59 | 2.82 | 6.42 |
| Operating Profit Margin (%) | -20.70 | 15.13 | 14.23 | 4.04 | 10.05 |
| Return On Assets (%) | -1.91 | 1.63 | 1.49 | 0.30 | 0.85 |
| Return On Equity / Networth (%) | -26.75 | 17.07 | 17.62 | 3.87 | 7.79 |
| Net Interest Margin (X) | 7.54 | 9.08 | 9.08 | 6.47 | 7.46 |
| Cost To Income (%) | 77.88 | 58.64 | 57.92 | 63.69 | 60.30 |
| Interest Income / Total Assets (%) | 14.21 | 14.63 | 14.11 | 10.95 | 13.30 |
| Non-Interest Income / Total Assets (%) | 1.71 | 1.69 | 1.42 | 1.17 | 1.02 |
| Operating Profit / Total Assets (%) | -3.63 | -0.06 | 0.07 | -0.86 | -0.16 |
| Operating Expenses / Total Assets (%) | 7.21 | 6.32 | 6.08 | 4.87 | 5.12 |
| Interest Expenses / Total Assets (%) | 6.66 | 5.55 | 5.03 | 4.47 | 5.83 |
| Enterprise Value (Rs.Cr.) | 24595.08 | 24515.80 | 0.00 | 0.00 | 0.00 |
| EV Per Net Sales (X) | 6.37 | 6.42 | 0.00 | 0.00 | 0.00 |
| Price To Book Value (X) | 0.64 | 1.12 | 0.00 | 0.00 | 0.00 |
| Price To Sales (X) | 0.32 | 0.73 | 0.00 | 0.00 | 0.00 |
| Retention Ratios (%) | 106.91 | 100.00 | 100.00 | 100.00 | 100.00 |
| Earnings Yield (X) | -0.41 | 0.15 | 0.00 | 0.00 | 0.00 |
After reviewing the key financial ratios for ESAF Small Finance Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is -10.13. This value is below the healthy minimum of 5. It has decreased from 8.96 (Mar 24) to -10.13, marking a decrease of 19.09.
- For Diluted EPS (Rs.), as of Mar 25, the value is -10.12. This value is below the healthy minimum of 5. It has decreased from 8.94 (Mar 24) to -10.12, marking a decrease of 19.06.
- For Cash EPS (Rs.), as of Mar 25, the value is -8.97. This value is below the healthy minimum of 3. It has decreased from 9.26 (Mar 24) to -8.97, marking a decrease of 18.23.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 37.81. It has decreased from 48.41 (Mar 24) to 37.81, marking a decrease of 10.60.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 37.81. It has decreased from 48.41 (Mar 24) to 37.81, marking a decrease of 10.60.
- For Dividend / Share (Rs.), as of Mar 25, the value is 0.70. This value is below the healthy minimum of 1. It has increased from 0.00 (Mar 24) to 0.70, marking an increase of 0.70.
- For Net Profit / Share (Rs.), as of Mar 25, the value is -10.12. This value is below the healthy minimum of 2. It has decreased from 8.27 (Mar 24) to -10.12, marking a decrease of 18.39.
- For Net Profit Margin (%), as of Mar 25, the value is -13.49. This value is below the healthy minimum of 5. It has decreased from 11.14 (Mar 24) to -13.49, marking a decrease of 24.63.
- For Return On Assets (%), as of Mar 25, the value is -1.91. This value is below the healthy minimum of 5. It has decreased from 1.63 (Mar 24) to -1.91, marking a decrease of 3.54.
- For Retention Ratios (%), as of Mar 25, the value is 106.91. This value exceeds the healthy maximum of 70. It has increased from 100.00 (Mar 24) to 106.91, marking an increase of 6.91.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Unable to fetch valid data for stock valuation.Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in ESAF Small Finance Bank Ltd:
- Net Profit Margin: -13.49%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.84%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 11.8%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 0 (Industry average Stock P/E: 18.06)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: -13.49%
FAQ
What is the intrinsic value of ESAF Small Finance Bank Ltd?
ESAF Small Finance Bank Ltd's intrinsic value (as of 09 December 2025) is 97.51 which is 294.78% higher the current market price of 24.70, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 1,276 Cr. market cap, FY2025-2026 high/low of 43.0/24.3, reserves of ₹1,434 Cr, and liabilities of 27,178 Cr.
What is the Market Cap of ESAF Small Finance Bank Ltd?
The Market Cap of ESAF Small Finance Bank Ltd is 1,276 Cr..
What is the current Stock Price of ESAF Small Finance Bank Ltd as on 09 December 2025?
The current stock price of ESAF Small Finance Bank Ltd as on 09 December 2025 is 24.7.
What is the High / Low of ESAF Small Finance Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of ESAF Small Finance Bank Ltd stocks is 43.0/24.3.
What is the Stock P/E of ESAF Small Finance Bank Ltd?
The Stock P/E of ESAF Small Finance Bank Ltd is .
What is the Book Value of ESAF Small Finance Bank Ltd?
The Book Value of ESAF Small Finance Bank Ltd is 33.9.
What is the Dividend Yield of ESAF Small Finance Bank Ltd?
The Dividend Yield of ESAF Small Finance Bank Ltd is 0.00 %.
What is the ROCE of ESAF Small Finance Bank Ltd?
The ROCE of ESAF Small Finance Bank Ltd is 4.28 %.
What is the ROE of ESAF Small Finance Bank Ltd?
The ROE of ESAF Small Finance Bank Ltd is 23.5 %.
What is the Face Value of ESAF Small Finance Bank Ltd?
The Face Value of ESAF Small Finance Bank Ltd is 10.0.